Is it worth having wedding insurance?

Wedding insurance is worth it because a wedding is a large upfront investment. You pay deposits months in advance, and if something goes wrong, you could lose thousands of pounds. Insurance covers you for events outside your control, such as illness, bereavement, venue closure, or severe weather that stops the ceremony. It can also cover damage to your wedding outfit or gifts, and some policies include public liability in case a guest is injured.

Think about what you would do if you had to cancel the whole wedding. Would you be able to afford to lose every deposit? For most couples, the answer is no. Insurance is one of the few wedding costs that protects the rest of your budget. It is especially valuable if you are relying on non-refundable deposits or if you are planning far ahead.

Some couples skip insurance because they think nothing will go wrong, and often nothing does. But the point of insurance is to cover the unexpected. If you are on a tight budget, look for a basic policy that covers cancellation and supplier failure, and check the excess. If your venue already requires insurance, that makes the decision easy. For legal details about giving notice or marriage requirements, check GOV.UK or ask your register office, as rules can change.